We analyzed every closed loan from City Lending — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 11 mkts
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 88 basis points above market average
- Higher than average fees ($5,139)
Explore another lender or local market
Report Card
City Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+87.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 487 | 48.5% | +0.797%Above | $5,309Fees | ||||
FHA Loans | 504 | 50.2% | +0.928%Above | $5,048Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume487
Mix48.5%
Spread
+0.797%Above
Fees
$5,309Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume504
Mix50.2%
Spread
+0.928%Above
Fees
$5,048Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 925 | 92.1% | +0.914%Above | $5,276Fees | ||||
Refinance | 79 | 7.9% | +0.434%Above | $3,494Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume925
Mix92.1%
Spread
+0.914%Above
Fees
$5,276Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume79
Mix7.9%
Spread
+0.434%Above
Fees
$3,494Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,004
Applications
1,375
Volume
$371 million
Pricing & Closing
Avg Rate Spread
+0.877%
vs. market APOR
Avg Net Fees
$5,139
Origination − Credits
Pullthrough Rate
73.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,129
Avg Borrower Income
$106,933
Avg Property Value
$418,516
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Northeast3
CTNJPA
Midwest3
ILINMO
South10
DCDEFLLAMDNCTNTXVAWV
West3
CAORWA
Top Metro Areas by Place Specialization Score
Volume 172Mix 17.13% of portfolio
84/100
Exceptional
Volume 301Mix 29.98% of portfolio
82/100
Exceptional
Volume 155Mix 15.44% of portfolio
74/100
Strong
Volume 55Mix 5.48% of portfolio
67/100
Strong
Volume 28Mix 2.79% of portfolio
66/100
Strong
Volume 27Mix 2.69% of portfolio
58/100
Sound
Volume 29Mix 2.89% of portfolio
54/100
Sound
Volume 29Mix 2.89% of portfolio
52/100
Sound
Volume 17Mix 1.69% of portfolio
46/100
Sound
Volume 11Mix 1.10% of portfolio
42/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
MarylandState
Volume 408Mix 40.64% of portfolio
80/100
Exceptional2
VirginiaState
Volume 378Mix 37.65% of portfolio
80/100
Exceptional3
FloridaState
Volume 83Mix 8.27% of portfolio
55/100
Sound4
WashingtonState
Volume 29Mix 2.89% of portfolio
50/100
Sound5
West VirginiaState
Volume 18Mix 1.79% of portfolio
48/100
Sound6
North CarolinaState
Volume 22Mix 2.19% of portfolio
43/100
Sound7
TexasState
Volume 18Mix 1.79% of portfolio
38/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.